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About taximan45

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  1. Hoping someone can advise me about an issue with these people. I've been a silly boy and used wonga a few times whilst I was self employed a while ago. I had no problems at first and it was actully a good short term cashflow solution if used correctly, however I encountered problems with my work and fell behind with payments, and so they started adding fees and interest. This was about the time they went into administration. About the same time I filed a complaint of irresponsible lending as I had got into the situation of having to roll over loans. This complaint was ignored and then sent on to the FOS, and it still remains unsettled I've since paid off the orginal amount borrowed so all that remains is the fees they have added (roughly £400). I read on another consumer site that if it is just charges owed then not to pay it as it can be used to set off any compensation due when the complaint is finally settled (obviously I am unlikely to get a penny back due to them being in administration). I have contacted wonga several times about this complaint but they just bat me off saying its being dealt with, even though it has long since passed any deadlines, and now they have placed the account in default which had damaged my credit score a huge amount. Is there anything I can do about this or is it just a waiting game now? Thanks in advance
  2. I'm waiting ona final statement from them at the moment, they don't seem to be in any rush to supply it
  3. HI, I've recently paid off my car finance which was with Close Brothers Motor finance. Over the period of the loan there were a few late payment administration charges charges added. I remember someone saying its possible to claim these back? Is that correct, and if so how should I go about it? Thanks for any advice.
  4. What a shame, never mind... I wonder now how many people will just not bother paying back their outstanding loans, thus making things even worse for the company/administrators?
  5. Ok thanks. I think I'll write to them and enclose a small payment for this month and tell them they can have the rest over the next couple of payments. With regard to penalty charges are you saying i can claim those back, even though it will say what they are somewhere in the agreement?
  6. Yes I'm pretty sure its HP, it was all arranged through the dealer i bought the car from.
  7. No idea but I'd rather not, then I'll just be short the following month and so on and so forth...
  8. Hello. I am 2 and a half years into a 4 year finance deal on my vehicle. It is all up to date at the moment. However I am changing job this month, but am going from self employed to full time employed and paid monthly. As I have no savings I will be going a whole month with no income so I am going to struggle to pay all my bills for this month. Before I start talking to the finance company about this to try and come up with an agreement (which I don't think they will be keen to do) what are the legalities of me missing one payment? I'm assuming they can't start repossession proceedings yet? I'm hoping they will agree to take just a small token payment this month then make up the shortfall over the next two or three but if they try to play hardball where do I stand? Thanks for any help.
  9. Hello. Last year I took out a warranty for a second hand car I had bought with Warranty Direct. They offered tol et me pay over 4 instalments which I went with. After a couple of months the car had a breakdown. THey agreed to pay for the initial repair (roughly £800) however that was caused by another issue which then needed subsequent repair at a cost of £1200 . They refused to pay out for this after having the vehicle examined by an independant 'engineer' (ACE). They used a technicality of small print to wriggle out of paying. I didn't pay the remaining two instalments on the plan as I didn't have the money, having to spend it on the car instead ( i eventually got the money back form the finance company but it took months). They have now passed the debt onto a debt collection agency . Its not a huge amount of money but its the principle of the matter I have a problem with. As I have never actually entered into a signed credit agreement with WD should I stand firm, or are they likely to come after me to reclaim any extra charges? There is nothing in writing to confirm the payment arrangement although I guess they have the recoreded for training phone calls to go back on. The other option is to offer the debt company a small monthly amount to pay it off. Could I have peoples opinions as to how to proceed please?
  10. Thanks, its Totton Retail Park, Commercial Rd, Totton, Southampton SO40 3AG
  11. Hello, My sister in law has just recieved a PCN form a company called Highview Parking. She overstayed in an anpr covered retail car park. She parked at night, so obviously the shops were all closed. They are asking for £85 reduced to £50 if she pays within 14 days. Is this one worth ignoring or should she appeal it? Thanks in advance for any advice
  12. Just to update the thread, after a few emails going back and forth, a threat of legal action and an angry phone call to a 'manager', the finance company finally agreed liability and refunded me my full costs. A happy ending.
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